Construction Worker and Contractor Insurance

The Construction insurance policy will provide cover for claims including:

Alleged negligent work

You are contracted to construct a new building. Despite working to the agreed plans and drawing you make an error in your calculations and the completed building is bigger than the agreed plans. This contravenes planning regulations, resulting in the building needing to be torn down and started again, incurring significant extra costs for your client. Professional Indemnity insurance would respond to cover you in this instance.

Breach of contract

You miss an agreed deadline for delivery of a construction project you are contracted for resulting in extra costs. Professional Indemnity insurance would provide cover for this in the event your client made a claim against you.

You cause an accident while working onsite

You are alleged to have caused an accident onsite due to using unclear safety signage. A claim is made against you for causing the accident and to pursue damages for loss of earnings for the employee as the injury meant they could not work. In this instance, you would be covered by Public Liability insurance.

Caunce O’Hara’s online quote and buy system can provide you with an indicative quotation for your Construction Contractor insurance in a matter of minutes.

As an example: A construction project manager with an annual turnover of up to £50,000, who needs Professional Indemnity insurance with an indemnity of £500,000 of cover (in any one claim) would pay as little as £320.00 per year. We think this represents good value considering the level of cover. (Figure correct 17.11.2021)

Caunce O’Hara’s Construction Contractor insurance policies cover a range of construction professions including site managers and inspectors, BREEAM home assessors, construction managers, construction consultants, electronics engineers, town planners, health and safety officers and many others.

We can arrange a Contractors Combined insurance policy at your request. The Contractors Combined insurance policy can include employers’ liability insurance and public liability insurance.

It is also important to note that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance is a valuable insurance policy which will cover you in this instance.

We also offer Tax Enquiry and Legal Expenses insurance which will provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from an IR35 tax investigation.